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Before you apply for a store credit card, take a close look at the terms and conditions. In this case, the ongoing APR of Helzberg Diamonds Credit Card is high. Also keep in mind that it can be used at Helzberg only and you wont be getting any rewards for your purchases. A better idea is to find a credit card with a 0% interest on purchases for the first year promotion, and which also has a sign-up bonus that gives you something great, like miles for a round-trip plane fare, or great cash back rewards. These offers are plentiful, and much better than store credit card offers. Do yourself a favor and apply for a flexible rewards credit card before you buy that new furniture.